COLLOTON, Circuit Judge.
Etta Bracewell and Samuel Parsons, a married couple, sued U.S. Bank National Association ("U.S. Bank"), seeking to void a mortgage foreclosure sale of their home. Bracewell and Parsons allege that U.S. Bank represented orally that it would postpone the foreclosure sale, but then proceeded anyway. They seek relief based on common-law claims of negligent misrepresentation and equitable estoppel. The district court
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